Senior Manager Credit
Kotak Mahindra Bank
Total years of experience :23 years, 4 Months
Reporting to National Credit Manager for handling SME Credit of Part of Tamilnadu (Including Coimbatore, Tirupur, Erode, Madurai, Trichy and Thanjavur).
Steering Product Handing activities of HL, LAP, and Overdraft, while ensuring delivery Quality Business across Part of Tamilnadu.
Monitoring Vendor Management activities required to monitor Vendor Performances in terms of Quality and TAT, even as ensuring Vendor’s Receipt of Payments on time.
Reporting to the Regional Credit Manager for handling SME Credit of areas including Coimbatore.
Previously I was handling SME Credit for Salem & Erode.
Steering Product Handing activities of HL, LAP, and Personal &Business Loans, whileensuring delivery Quality Business acrossCoimbatore &Tirupur locations.
Overseeing CPA Management functions, including Training onPolicy &Process Changes, while trackingPerformances and TrainingStaff on Products/Processes as per requirements.
ControllingDisbursements via Cheques to Customers, obtainingOriginal Documents from Customers/SRO/Competition, and ensuringVettingof same by Lawyer for presentation to HO, while sustainingaccurate records on the same.
Monitoring Vendor Management activities required to monitor Vendor Performances in terms of Quality and TAT, even asensuringVendor’s Receipt of Payments on time.
Ensuring adequate Customer Service, via attending of Customer Problems/Grievances, apart from providingSolutions within a particular Timeframe and assuringZeroCustomer Complaints
Risk Intelligence & control :
(Area includes Theni, Dindigul, Tirunelveli, Nagercoil, Ramnad, Virudhunagar, Rajapalayam, Sivakasi, Karaikudi.)
Monitor TAT on daily basis for the logged in cases to ensure 90% of the TAT should meet for all the products.
Prevent undue losses through files which are logged in
Doing Investigation activity for Non-starters, Early Mortality & web fraud cases and recover the funding amount from the fraudulent customers.
Liaison with legal team for further course of action if it is required against the fraudulent customers.
Doing Post disbursement activity to cross verify the customers existence.
Fraud Prevention & Fraud detection is the core job.
Handling the 0-30 and 360+ portfolios of Home Loan & Home Mortgages of Bangalore
Handled the all the portfolios of Fresh & 30+ to 360 Home Loan & Home Mortgages of Bangalore.
Allocation of Portfolio to Collection Agencies, monitor and Motivate Agencies to achieve Numbers.
Liaison with legal Department for issuing Legal Notices for all Non Collectible Cases.
Ensure the smooth flow of Process from sourcing to Disbursement.
Handling the Distribution set up of DST, DSAs & Loan Advisors to achieve Sales Numbers .
Identifying and appointing the DSA, monitoring and guiding them to do more quality business on long term basis.
Coordinate with Credit on Approvals and ensure smooth Disbursements.
Monitor the Sales Reporting of Direct Channels on a daily basis and ensure productivity from Direct Channels.
Plan Promotional Events for Lead Generation and Responsible for branch cost (COA).
bucket.
Preparation of Internal Audit & Statutory Audit reports, preparation of Balance
sheet of individuals, firms and companies, experience .
Vouching, Preparation of bank audits under the guidance of Auditor, compiling accounts in Tally.